I have a little experience with ebay/paypal disputes, but not in the
last 6 months, so I don't know what policy changes might have happened
since then. The last time I disputed, it was OK to file a chargeback
with your credit card company as long as you went through the
ebay/paypal dispute process first. Anyway, here is some input:
- It is perfectly valid for the seller to self-insure. Just because
they charged an insurance fee doesn't mean they have to use a 3rd-party
- DON'T leave negative feedback until the issue is resolved. Since you
paid by check, it will be difficult enough to get your money back. Once
you leave negative feedback, you've greatly decreased the sellers
incentive to work with you.
- I know this doesn't help you now, but in the future, ALWAYS pay by
credit card for amounts you're not willing to lose. This gives you the
last resort of filing a chargeback with your credit card company. I've
had to do it for an ebay purchase, and it works (and I'm still able to
use ebay and paypal).